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  • International credit card with high transaction and credit limits
  • Exclusive proposals with Programme Visa Luxury Hotel Collection and special premium offers for your private and business trips.
  • Guarantee for bookings of car rental, airline tickets, hotels, as well as purchases of various goods and services on the Internet.
  • Free insurance "Assistance in travelling and accident"
  • Secure payments on the Internet You get a card with automatic subscription for the service
  • Automatic participation in PLUS Programme You collect and spend points in any card purchase in our partner network Programme.
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Golden standard with Visa Gold.

Be prepared for every moment with Visa Gold credit card with preferential terms!

Learn moreabout Promo

Features and Fees

Visa Gold credit card gives you the convenience, flexibility and security wherever you use it.

With it you have a higher transaction and credit limits and additional benefits.

As a holder of Visa Gold card you can take advantage of the special offers of Premium programme Visa Luxury Hotel Collection of Visa Europe - a selection of exclusive benefits and discounts in chain hotels, as well as suggestions for cruises and exotic trips, that will make your travels more pleasant.

Minimum net monthly income


1000 BGN

Credit limit


From 5000 BGN up to 60,000 BGN




Time limit for issuing


5 working days for standard

within 48 hours for express orders

Credit limit validity


2 years

Interest rate


1.30 % per month will be charged on the used and not paid part of the credit limit

Card validity


4 years

Annual fee


No annual fee for the first year. Then reduced to 50 BGN

Annual expense ratio


Example: 16.76 % with a repayment term of 12 months, an annual fee of 0.00 BGN for the first 2 years, utilized credit limit of 5000 BGN, a monthly payment of 3 % of the amount of disbursed limit and monthly interest rate 1.30 %

Minimum repayment amount


3% of the approved credit limit

Grace period


Up to 45 days for purchases at POS terminal

Due date


From 1st to 15th of the month




Discounts and boutique offers

  • Advantages and discounts with programme Visa Luxury Hotel Collection of Visa Europe

  • Special premium offers from Visa for your private and business trips

Additional card


Yes, according to the tariff



Chip and magnetic stripe

Preferential and special programmes

  • Free Insurance

  • Automatic and free of charge activated service Secure payments on the Internet

  • Programme PLUS

Liabilities repayment

  • Direct debit - automatic repayment of a minimum repayment amount and all credit card liabilities from other bank accounts
  • Mobile or online banking - repayment of a minimum repayment amount or larger amounts directly to the card account
  • Installments at ATM - with cash deposit  to a credit card account
  • At cashier in the bank branch to a credit card account

24/7 customer service center


In emergency situations or when you need to check your card balance

Statements and notifications

  • Free of charge monthly statement of account via e-mail
  • Free of charge SMS reminder and e-mail 5 days prior to the date of the amount due and 3 days afterwards

Text File Icon Tariff

View the full Tariff, as well as the General terms and conditions

Issuance and service




Free of charge

Express issuing/re-issuing

50 EUR

Re-issuing after on the expiry date

Free of charge

Re-issuing before the expiry date

10 EUR

Annual service fee of a main card

50 EUR

Annual service fee of the additional card

35 EUR

Change of the card parameters


Additional card


Benefits and package programmes

Programme PLUS

Exclusive offers by Visa

Free of charge insurance

Free of charge Virtual PIN

Transaction fees



Payment in merchant outlets in the Internet, in Bulgaria

No fee

Payment of goods and services in the Internet, abroad

0.50 BGN

Withdrawing cash from ATM:

of the bank

1,50% + 1.50 EUR

of another bank in Bulgaria

2,50% + 4 EUR


3% + 4 EUR

Balance inquiry at ATM in Bulgaria


Transactions in the systems

0.20 BGN

Cash withdrawal at POS terminal:

in branch of the bank

1% + 3 EUR

of another bank in Bulgaria

2,50% + 3.50 EUR


3% + 4 EUR

Upon performing a bank card transaction on a real or virtual device abroad in a currency different from the currency of the card account, the transaction amount shall be converted in an amount for sending the financial output of the executed transaction from the Acquiring Bank of the merchant that has accepted the payment to the Card Issuing Bank at the exchange rate of the International Card Organization (ICO), VISA or Mastercard applied on the day of sending. UniCredit Bulbank AD shall book the transaction on the Client’s account where the sent amount debiting the Client’s account shall be converted in an amount in the currency of the account at the respective buy/sell exchange rate of UniCredit Bulbank AD applied on the day of booking the transaction (which may be different from the day of sending the payment). The currency of the amount of the sent payment transaction is USD (for payments made in US dollars) and EUR (for all other payments). UniCredit Bulbank AD does not apply any additional fees in case of revaluation of the bank card transactions.

Transaction limits



Payment at POS terminal at a commercial outlets

15 000 BGN for 1 transaction

20 000 BGN for 24 hours

50 000 BGN for 7 days

Cash withdrawals from ATM and from POS at bank branch in Bulgaria

6 000 BGN for 1 transaction

8 000 BGN for 24 hours 

20 000 BGN for 7 days

Cash withdrawals from ATM and from POS at bank branch abroad

2 000 BGN for 1 transaction

4 000 BGN for 24 hours 

12 000 BGN for 7 days

Total number of payments within a period

40 for 24 hours

120 for 7 days

Card activation

The card activation process is now much faster and easier. Once you have your bank card, you can activate it yourself by changing your original PIN at UniCredit Bulbank’s ATM or all other ATMs with the logo of BORICA AD*.


*Activation of a card and change of PIN code is possible only at ATMs in Bulgaria!

Application of the Card

  • Contactless payments – quick, easy and secure payment with only one move without a requirement to enter PIN for card purchases up to BGN 100 in merchant outlets in the country marked with the contactless payment symbol.
  • Booking and rental services - cars or airline tickets and hotels
  • Payment of products and services offered in merchant outlets at POS terminal in the country and abroad
  • Collection points and payments with points at  merchant outlets involved in PLUS Programme; Cash withdrawals at ATM and POS terminal in any bank branch
  • Payment of monthly bills for electricity, central heating, phone and other services offered in the Internet through the system (the transaction can be executed after a registration at an ATM)
  • Payment of bills and services from an ATM in Bulgaria through the B-Pay system
  • Account balance, PIN change and information on the last five transactions only at ATMs in Bulgaria
  • In case of contactless payments abroad the payment amount below which PIN is not required is different and is determined by the Bank which services the terminal and by the international card organisations (ICO). For example, in Europe the average payment limit below which no PIN is required is EUR 50.

How to Apply

Required documents and terms

  • Minimum net monthly income BGN 1,000
  • Client’s ID card
  • Income other than employment relationship or without income transfer to bank account evidence
  • Foreigners should a resident permit for Bulgaria
  • Application form for credit card when visiting UniCredit Bulbank branches

Apply for your Visa Gold


Fill in the online form and our consultant will contact you.


In branch of the bank

Apply for the card in any bank branch.

Through the online and mobile banking

Bulbank Online
Bulbank Mobile

Digitize your card now!

Forget about your overfilled pockets and bags!

It's easy to pay with your phone by adding your card to Apple Wallet or Digital Wallet for Android.


Security tips

Take care of your financial security by following a few simple rules when using your card.

Additional Card Services

Other credit card offers